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of a poorly functioning financial sector. worryingly, the energy to implement the reforms that have been agreed as well as other reforms that we need are fading in little bit. and i am often asked and i am sure the some of the central bankers and providers are asked the same question. are we now better off than five years ago? probably so. are we out of the loop? do we have everything we need in terms of assistance, in terms of detecting the systems? most people, supervisors in particular, and certainly the imf would say not yet despite major progress. i know all of these seem a little bit bleak. but let me assure you that we have not overlooked the reaction to recent policy announcements. and those are strong and good positive reactions. but we have seen positive market response of before that turned out to be short-lived. this time, what we need is not bounce.balance we need a sustained rebound. to be different, we need certainty more than uncertainty and we need decision makers to turn into action takers. it will require courage and the ability to rise above the short- term agenda of
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